Domestic helpers are often vital members of a household and obtaining a quality, and comprehensive maid insurance policy is the best way to ensure that all parties have adequate coverage.
Maid insurance is required by law and serves to cover the basic legal liability of the employer, as well as protect domestic helpers against the cost of injuries, accidents or illnesses that occur as a result of their employment. Many insurance companies offer maid insurance as part of an 'umbrella policy' that will extend the coverage beyond the protection required by law.
The most common coverages of maid insurance include:
Protect the employer against liabilities when the domestic worker sustain bodily injury by accident or disease arising out of and in the course of employment
Cover your domestic helper during rest days in Hong Kong for accidental death or permanent disablement
Hospitalization & Surgical Expenses
Cover the surgical fees and operating theatre charges when your domestic helper is staying in a hospital
Provide network outpatient benefits to your domestic helper at designated panel doctors
Protect the employer against the liability to repatriate the domestic worker back to his/her country of origin in the event of death or certified medical unfitness for continuous employment
Cover the expense required to employ a replacement helper when your domestic helper is repatriated due to accident, death or serious injury
Domestic Helper Liability
Cover the legal liability in the event of his/her negligence causing third-party bodily injury or property damage
Cover the loss caused by dishonest acts committed by the domestic helper
Kwiksure can offer a range of maid insurance policies and can help you to find the plan that best suits your needs. For more information, or to receive a free quote, please contact one of our dedicated advisers today.
Maid insurance claim forms can be viewed, downloaded, and printed from here.